State Health Insurance Assistance Program
SHIP, the State Health Insurance Assistance Program is a national program offered in each State that provides counseling and assistance to people and their families on Medicare, Medicaid, and Medicare supplemental insurance matters.
To contact a SHIP counselor in your State, visit the SHIP National Technical Assistance Center website.
Medical Bills And Healthcare Assistance For The Elderly
Seniors have options when it comes to health insurance, such as Medicare and government programs that can help people pay their medical bills. With many retirees living on a fixed income, paying for health care is very difficult if not impossible. So there is information and resources offered to help the elderly deal with escalating medical costs.
Senior Health Insurance Assistance Program is a source of information. The specialists that are part of this program can help seniors understand their health insurance benefits, plans that are available, medical bills and rights. The elderly can learn about grants or vouchers for buying prescription medications as well. This program supports Medicare beneficiaries, including people who are under 65 years old.
The SHIP program provides clients access to trained staff and volunteers who usually operate from area on aging offices. The counselors will provide those who need information with both in-person and telephone assistance if they cant make it to an office. Get help with the following.
The federal government Medicare service is a national social insurance program. Millions of households currently receive assistance from this benefit. It operates similar to a free health insurance plan in that it allows senior citizens to get the comprehensive medical and dental care they need.
Where To Find Grants For Elder Care Programs
Government Grants For Elder Care. There are various grants for elder care available in the United States. You just have to know where to look. Grants are available to help elderly people with various expenses, including medical costs, food costs, clothing, shelter, even in-home nursing or other home health aide services. There are also some grant programs that help non-profit organization to provide senior daycare programs.
In todays post, we will provide several sources for government grants for elderly care. Note that grants dont always come in the form of free money. Some grants come in the form of free services, including:
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Reshaping The Future Of Canadians Aging In Place
No matter where you live in Canada, the federal, provincial and municipal governments assistance programs and grants are reshaping the future of Canadians living at home. With the available grants for home repairs and home improvement, you could:
- Repair and maintain your home as per defined health and safety norms.
- Adapt your home to your mobility and assistance needs.
- Renovate your home and add a secondary suite to boost your financial independence.
If you are a Canadian 55+, or if you have an older family member who has chosen to stay at their residence independently, take advantage of the numerous programs that enable Canadians to age in place.
- Be aware of the federal benefits and services, as well as those in your specific province.
- Fill out the application forms download them from the programs website, or pick them up from the relevant service organizations office.
- Submit your application along with the necessary supporting documents required to validate your age, health or income.
Whether you qualify for some or none of the grants listed above, there is another option that will allow you to age in place.
What can you use a reverse mortgage for?
Reverse mortgage customers can choose to use their reverse mortgage funds for anything they please. However, here are some of the most common use of funds:
- Home renovations
Preparations For An Ageing Population
Like many other countries, Sweden has a growing proportion of elderly people. Elderly care has therefore become increasingly important, and the government has taken steps to meet future challenges in this area.
In 2040, nearly one in four Swedes will be 65 years or older, and most of the people in this age group will be active and healthy. Several initiatives aimed at meeting future needs are now being put in place around the country. It seems clear, that to meet the coming demographic challenge without jeopardising welfare levels, people will have to work longer.
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Grants For Elderly Care From Foundations
Below are some foundations that provide assistance for elderly care:
Its one of the most active foundations that support senior citizen. Each year, the foundation gives out several grants for groups and programs that support the elderly care. Should your organization interested to apply, please contact them and submit a letter of inquiry. You will be given an explanation about the application submission.
The Donald W. Reynolds Foundation
This foundation is also famous for their attention for the elderly care. The grants are available for community groups. You need to submit your application as a group, instead as a personal request.
Other notable foundations that give out grants for elderly care are the Robert Wood Johnson Foundation, MetLife Foundation, AARP Foundation, etc.
References:
Va Health Care Programs
Military veterans also have access to the VA health care system. Depending on your age and military service, you may qualify for hospital coverage, home health services, hearing aids, dental benefits, mental health programs, and more.
The VA does not require you to enroll in Medicare Part D, since pharmacy services are included with VA coverage. You will need to provide proof of service . In order to qualify, you must complete the application on the Veteran’s Administration website, .
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Where Are You On Your Caregiver Journey
- Worried about mom or dad for one of a ?
- Is mom and/or dad’s home unsafe for them? Find out about .
- Worried about money? Find out about .
- Want to learn about the possibility of ?
- Looking for a retirement home right now? .
- Want to know what the cost range is like? Get a complete view of .
- Is mom or dad having trouble taking care of themselves? Consider .
- Is mom or dad in the early to middle stages of Alzheimer’s? Learn about.
Caregiving of aging parents
According to a report from 2015, one out of every three working Canadians gave personal time to care for a disabled person many of those seniors, and in most cases a relative of the caregiver. This number is almost certainly rising steadily. In 2012, the number was 3 in 10 , according to Stats Canada1. An ongoing increase in this ratio is likely, given the discrepancy between the aging population of baby boomers compared to diminishing numbers for younger demographics . For all that, every family is a unique story.
Caring for aging parents is challenging physically and emotionally, and the challenge grows as the elderly parent ages and further declines in ability.
Caregiving: an overview
There are a wide variety of ways to make caregiving easier on yourself. Here’s a look:
The action plan can be an ongoing guidebook to assess how well you are doing, how realistic your expectations are, and how well you are meeting those expectations.
Take care of yourself
- how to optimise the you receive.
More information:
Medical Fee Exemption Card
As we get older, our visits to clinics and hospitals tend to become more frequent as well. While the government provides healthcare subsidies for Singaporeans, the cost of healthcare can still tends to add up to a significant amount. The Medical Fee Exemption Card is issued to needy residents of MOH-funded nursing homes or MSF-funded sheltered and disability homes, and covers the cost of standard medical and hospitalisation treatments at public healthcare institutions and intermediate and long-term care institutions.
Eligibility Criteria:
- Singapore Citizens or Permanent Resident, and are residents of MOH-funded nursing homes or MSF-funded sheltered and disability homes
- Monthly per capita family income of $700 or less
- Personal savings of $6,000 or less
Find out more about Medical Fee Exemption Cards here.
Long-term caregiving impacts the caregivers, care recipients, as well as family, friends and the larger community. We hope that this article will shed light on the help available to you, to better support you in your journey.
* Do take note that some of these schemes may require you to undergo a means-testing assessment to determine your eligibility for the subsidy, and the amount of subsidy you receive.
Provide the best care to your loved one today! Fill up the form below for a free consultation with our Care Advisory team.
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Exercise And Falls Prevention Classes
These classes help seniors stay active, healthy and independent. They focus on improving strength and balance to prevent injury and falls. They are led by fitness instructors, trained peer facilitators or support workers not a registered physiotherapist
You may find classes offered in your community or long-term care homes.
To find a class near you call the Seniors INFOline:
Hearing Aid Help For Seniors
According to a 2016 study in JAMA: The Journal of the American Medical Association, hearing loss affects more than 60 percent of adults over age 70, yet only 20 percent of adults who need hearing aids actually use them. Price is the most common roadblock: The devices can cost thousands of dollars each, and most seniors need two of them. But there are ways to get help with those costs.
While original Medicare does not cover hearing aids or the exams required to fit them, some Medicare Advantage plans do, so talk to your insurance provider. In some states, Medicaid will also pay for hearing aids.
Lions Clubs across the U.S. offer the Affordable Hearing Aid Project, which helps seniors with limited incomes access hearing aids that they would otherwise be unable to afford. The program also arranges for the fitting and follow-up care. Each club has its own income guidelines for determining who qualifies, so check around.
The National Hearing Aid Project supplies hearing aids to low-income U.S. residents who lack insurance coverage for the devices. Qualified individuals receive a hearing assessment, a fitting, and a follow-up. Those who receive hearing aids through the program are asked to share their story on a personal fundraising page in order to encourage others to donate to the program.
Another option is to contact hearing aid manufacturers to ask about participating in a clinical trial. Trial participants generally get to keep the products they test.
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Financial Help For Seniors: 25 Resources
Retirement should be a stress-free time to fully relax and live comfortably. Yet 64% of Americans are expected to retire with less than $10,000 in savings, according to a 2019 GoBankingRates study. And currently, seven million elderly Americans have problems paying medical bills. If you or someone you know is struggling financially, know that there are resources available to provide help and hope. Read on to discover ways to find financial benefits programs for seniors.
Ssa Benefit Eligibility Screening Tool
The Social Security Administration’s Benefit Eligibility Screening Tool provides an easy way to find out if you qualify for any additional programs run by the SSA. In addition to Social Security and Medicare, programs covered include SSI, disability, family, spousal/widow, and special benefits for veterans. BEST lets you make make sure you don’t miss any benefits for which you qualify the screening can all be done online.
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Medicaid Personal Care Services
State Medicaid programs often cover personal care under their regular Medicaid program, sometimes referred to as their Medicaid State Plan. Unlike Waivers, regular Medicaid is an entitlement program if an applicant meets the eligibility requirements, then they can receive benefits. Waiting lists do not exist. Please note that some states elect to offer personal care services in the home and community through their state plan via an option called Community First Choice .
Similar to how Waivers offer consumer direction of services, State Plan Personal Care often allows the beneficiary to choose their care provider. Family members, including adult children can be chosen to provide care for their mothers and fathers. Again, like Waivers, the adult children caregivers are paid the Medicaid approved hourly rate for their efforts. During the initial enrollment process, the elderly individual is assessed, and it is determined how many hours per week they require care services. A list of state Medicaid programs that offer the choice of provider in their personal care benefit is available . Readers should be aware of the various names these programs use, which include Personal Assistance Services , Personal Care Assistance , Attendare Care, and Personal Attendants. Sometimes, states dont make a point to distinguish this option as a separate program, they just call it the personal care benefit under their regular Medicaid program.
Largely Funded By Taxes
Elderly care is governed by the Social Services Act and is mainly the responsibility of the municipalities. Swedish elderly care is largely funded by municipal taxes and government grants. In 2019, the municipal cost of elderly care in Sweden was SEK 132.9 billion. Healthcare costs paid by the elderly themselves are subsidised.
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Income And Tax Help For Seniors
According to the National Council on Aging, more than 15 million Americans aged 65+ live below the federal poverty line. There are also millions of other seniors with low or moderate incomes who are technically above the poverty line but still struggle to pay their bills each month. Fortunately, there are programs that can help older adults who are facing income or tax challenges.
Know All About The Grants And Programs Available For Canadian Homeowners
Although most Canadians prefer to stay in their own homes post-retirement , many feel pressured to consider other options due to lack of sufficient funds or for medical reasons. Whether it is the increased life expectancy, the ever-inflating costs of living, or the lack of proper financial planning, many Canadians find it difficult to lead a comfortable life with their retirement savings alone.
In a report on Pension Reform, the Canadian Association for Retired Persons, CARP suggests:
- Two-thirds of the Canadian workforce does not have a workplace pension.
- Private savings options, such as Registered Retirement Savings Plans do not make up for the shortfall in retirement savings.
However, did you know that the Canadian government offers over 100 different types of grants, rebates and tax credits across provinces, which are meant to help Canadians retain their homeownership or tenancy? Every Canadian province runs its own incentives and programs to help Canadians:
- Save money
- Be self-reliant
- Enjoy the improved quality of life
From grants for home repairs and renovations to property tax credits, write-offs and special needs assistance, Canadian provincial governments are addressing various aspects of Canadians 55+ living at home.
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Benefits Programs For Seniors With Pets
For seniors, owning a pet can provide a level of companionship that is essential to health and wellbeing. But owning a pet is costly, and some owners may find themselves worrying about how to get help with vet bills, pet food costs, and vaccinations. Thankfully, there are plenty of organizations that want to help pay for pets.
Housing Needs During Retirement
Your housing needs may change over the course of your retirement. For example, you may need more help doing jobs around the house or you may need nursing care as you age.
There are many types of housing options available to you. You can stay in your own home and have in-home assistance, or you may live in a retirement home with meals and care provided.
The cost of housing depends on what level of service and care you need. The more services and care, the more expensive it will be.
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Senior Citizen Financial Planning
Social Security experts recommend living on 70% of your pre-retirement income. So, if you earned $50,000 a year when working, you should be comfortable living on $35,000 a year.
In reality, how much you should save for retirement depends on your lifestyle.
This is how much of your total income you should be spending on housing, transportation, food and healthcare, according to the Bureau of Labor Statistics Annual Expenditure Report.
- Housing 32.4%
- Food 12.9%
- Healthcare 12.2%
These are the four greatest expenses for people over the age of 65. After the age of 75, healthcare costs eclipse transportation, taking up 15.6% of your income, while transportation drops to 13.9%.
To be clear, these are only averages. How much each person spends on each category will vary. You shouldnt set aside 17% of your budget for transportation if you live walking distance from your usual haunts. Nor should you throw budgeting to the wind for a European vacation just because you really want to see the Eiffel Tower.
If balancing your budget proves too daunting, consider working with a reputable financial advisor or nonprofit credit counseling organization. A credit counselor can review your debts and expenses to help you reach a level of financial stability.
Managing your debts is important no matter what stage of life youre in. The father of western wisdom, Socrates, said it best with his last words:
Crito, we owe a rooster to Asclepius. Please, dont forget to pay the debt.
Local And State Programs
Every state has at least one Area Agency on Aging office that can help older residents with a range of needs, including home modifications and repairs. The office should be able to help you find services that may be offered for free or on a sliding scale they could include anything from replacing roofs and hot water tanks to installing wheelchair ramps and grab bars. You must be at least 60 years old to be eligible income limits also apply.
Charities and non-profit organizations often provide free or low-cost home repair services to seniors. You may also be able to find volunteer home repair services in your area through a simple Internet search.
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